• Free special reports:
Reports like, Ten Simple Steps You Can Take to Ensure Your Home Sells at Top Dollar click for more...

• The loan process... easy as 1 2 3:
The Family Mortgage 8 step purchaes process, 1 - Shop around and do you homework, have good faith estimate click for more...

• Investigating your overall goals:
We take a consultative approach to click for more...

• Importance of Becoming a Certified Homebuyer:
Many real estate agents will want to know that you are eligible to buy the home before they will spend their valuable time showing you homes in the area click for more...

The 3-Step Mortgage (more home – less payment)
Family Mortgage coined the term as a way to introduce you to the advantages of this unique product. It acts like an adjustable rate mortgage but it’s really a fixed rate mortgage click for more...

Rate lock commitment:
When can i lock my rate? Unlike many lenders, Family Mortgage will lock your interest rate as soon as we have click for more...

• Qualifying for a loan - the real facts:
For normal conventional loans (loan sizes from $50,000 - $1,000,000) for borrowers with average to above average credit that can document their income, qualification is generally an automated process
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Down payment options:
This section will cover three distinctly different types of loans; conforming, non-conforming and sub-prime. Let’s look at them one at a time. Conforming loans are click for more...

• No closing cost home purchase:
You have probably heard about No Closing Cost Refinances but not No Closing Cost home purchases. That is because very few click for more...

Loan Programs
It seems that within the mortgage industry, there’s always a great new product just around the corner that benefits the consumer.  The latest of these to surface is the “zero down” mortgage. This mortgage seems to suit two decidedly different types of borrowers
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• Financing considerations when negotiating your contract:
Seller contribution limitations, Who pays for the click for more...

• Buyers Checklist
Use the Buyers Checklist as a convenient way to keep track of all the things you must do to complete the process of buying your home. In addition, we will provide you with all of the information you need to change over your utilities as you go through the loan process with us click for more...

Working with a real estate agent:
We have a sister company Thompson Evans Realty, when you chose to work with both Family Mortgage andclick for click for more...

• Insurance
Knowing Your Homeowners Insurance Policy Is VERY Important. When was the last time you curled up with your homeowner's insurance policy for a good read? Insurance policies -- like proprietary leases, credit card terms and warranties for major home appliances click for more...

• Do I need to do an inspection
Purchasing a new home is an exciting as well as stressful event in one’s life. Whether it be new construction or a resale, you should always protect your investment by hiring a professional, code certified Home Inspector. How can you be certain you hire a home inspector with these credentials? Easy! click for more...

• Appraisals
A home purchase is the largest, single investment most people will ever make. Whether it's a primary residence, a second vacation home or an investment, the purchase of real property is a complex financial transaction that requires multiple parties to pull it all off click for more...

• The loan Shopping List
a,k,a. 10 Things Other Lenders Don’t Want You to Know! click for more...

 

This is a printable worksheet for you to use when comparing loan to make sure your comparing apples to apples.

Lenders can be quite evasive on fees and Points, some hide them in higher rates while others give a low rate then inflate the closing cost.  This worksheet will help you get the real numbers so you can make a true comparison. Get the worksheet here!

Credit is so much more than a plastic card. It’s your financial trustworthiness. Having good credit means it will be easier for you to get loans and low interest rates. Low interest rates usually translate into smaller monthly payments. That’s important when you borrow money for a car or a place to live. Sometimes, people even check your credit when you apply for a job.